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Frugal Fright

I have been talking all week about my various frugal ways and inclinations but today I gave myself a bit of a fright. I checked my bank account on-line, first time for about three months. Its doesnt look good. Every bill seems to have increased.

I couldnt beleive it. I have spent this evening using www.moneysavingexpert.com to try to work out the best way of organising landline phone calls. I am thinking of buying something called a Orchid Dialler which will direct our phone calls via the most cost efficient service provider depending on whether they are landline, mobile, overseas etc. If this turns out to be as good as it sounds than I will be happy. MSE customers also get extra discount.

I was also trying to check out the price per call of various mobile packages. It seems to be almost impossible and I am no further forward now than I was three hours ago but I wont give up, although I might just for today.

I also checked my broadband bill online and they had taken too much however I checked the previous few months as well and found they had undercharged so overall I seem to be about even.

Tomorrow I will email the council and see if we are due a refund of council tax. We pay by direct debit so we should never under or overpay but they seem to me to take too much every year.

Anyway, must go, more frugal surfing to do!

I forgot to update my Freecycle diary. A young couple came today to collect our old sofa. It is cream leather (or maybe not) and I dont know what I was thinking when I got talked into buying it but anyway I am not sad to see the back of it & all the current furniture and hard wearing and can be recoverd so hopefully it will be many yers befpre we need any more chairs or sofas.

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We have 20 years of mortgage left, £192,000 in fact. We were almost there before we decided to build a house in Crete. Ah well. Plus there is the money we lost in Syria. No good dwelling on the past though. Move on. There is £192k to think about.

Yesterday I was reading the MFW section of Martins Money Saving Expert and the totally inspiring overpayment diaries that people use to help keep up their motivation. I overpay by a couple of hundred every month but don't make anything like the kind of effort that these guys make.

So today i was telling the old fella about how one lady had pretty much stopped doing anything and cleared her mortgage in four years. He said 'wonder what we could do it in?' and now we are off. I might be wrong but i think we are both in the same place and we really could do it.

If we throw every spare penny we have at it then we could do it in six years according to a calculator which I just found.

Today Fahed came home from work unable to walk in from the car. Sadly its time to stop working until after the operation. He just cant move anymore.Sadly he doesn't get any sick pay but looking on the bright side at least I will come home to dinner cooked for me each day.

We are planning a BBQ this Sunday in an attempt to get the hard landscaping finished before Fahed goes in for his operation but I dont think he can do anything much to help/ Bricklaying, how hard can it be ?? This is the family last weekend working on it

And this is my sneaky little cat Merlin, who sneaks into bed when no-one is looking. Here he is trying to snuggle in behinds Fahed sleeping knee, without waking him

Today I worked from home and Fahed cooked all day for the Syrian lunch thing tomorrow. Bless him. He also ramped up the dishes sizes so we had lovely Syrian food today and tomorrow too. Yay!

And he called the hippowaste people to collect the hippo bags and something else which i have forgotten. But I am happy as he forgets so many things. Its the pain in his back i think but also the amount of medication he takes to keep it at bay. After his operation he will wake up alert and unmedicated (in my dreams anyway) and I wont know him.

My son and his girlfriend changed over my sofa for one which is only used by the cats in the conservatory (the cats wont mind), Its so firm and comfortable. Maybe my back will be happy. the old sofa is going and the cats can share with me.

One of the things i was bleating about yesterday with my cryptic bad things sentence was that my nephew went to Saudi Arabia with his wife and two daughters to get away from the fighting in Syria, about two years ago. The …